We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

Refinance to a Lower Rate with FHA
Help - Requirements and Guidelines

The recent reduction
in interest rates by the Federal
Reserve doesn't necessarily
result in a lower rate for fixed-rate
mortgages. This is because bond
rates, not the fed rate, drive
fixed mortgage rates.

And, you've probably
heard that it only makes sense
to refinance your mortgage if
the new interest rate is at
least two percentage points
lower than your current rate.
Well, forget that advice. It
may have worked in the days
when you could only get a 30-year
fixed rate mortgage. It doesn't
apply in today's financial markets
where there are many options
for financing your home, including
fixed mortgages with terms of
15, 20, or 30 years; five- and
seven-year balloon loans; and
a wide variety of Adjustable
Rate Mortgages (ARMs).

Even if you can't
lower your monthly payment by
refinancing, it might make sense
if you can give up the insecurity
of an ARM for a fixed rate.

FHA Loan Information

The FHA does not lend money.
The FHA (Federal
Housing Administration) is part of HUD &
backs individual Approved
Lenders.

Our responsibility is to help you find the best FHA
Approved Lender who can help you secure financing.

When
you fill in our short application we will provide your
information to one, (and
only one) FHA
Approved Lender who can help you based upon
many factors, including your Credit
Score, your State
Location, and the Type
of Loan you apply for.responsibility
is to help you find the best FHA
Approved Lender who can help you secure financing.

Note: We
are not affiliated with the Federal Housing
Administration, the Department of Housing
and Urban Development, or
any other government agency. We are an FHA Educational
Resource.

Subscribe

FHA Government Loans
.org is a not a
lender or
a mortgage broker.
We do
not direct market by phone
or email consumers. We do
not provide any loans, loan
modifications or foreclosure
services. Note- FHA Government
Loans .org isnot
affiliated with HUD
or FHAand is not a government
agency.
FHA Government Loans .org
is a website that provides
information about mortgages
and loans and does not offer
loans or mortgages directly
or indirectly through and
representatives or agents.
Any request for mortgages
will be arranged by third
party providers We do not
direct market by phone or
email towards consumers.
FHA Government Loans .org
is known as Mortgage
Information Technologies
LLC in lieu of true
name, is a news and information
service providing Federal
Housing Authority news,
content and directory
information relative to
mortgages and loans. We
are not responsible for
the accuracy of information
and/or interest rates represented
and we are under the assumption
that all content is in accordance
with the Copyright Policies
of the United States of
America and territories
If you are suspicious of
any fraudulent activities
or if you have any questions
Contact Us
or your local HUD Agency
or the Office of the
Inspector General.